Head-to-head · 🇮🇳 India
AU Bank Zenith vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
AU Small Finance Bank
AU Bank Zenith
VISA
Wins 4 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 5 of 10
Verdict
AU Bank LIT wins 5-4. India's first customizable card — choose your perks each month. AU Bank Zenith is still the right call if underrated mid-premium — punches above its fee tier..
Side-by-side
| Criterion | AU Bank Zenith | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹7,500 | No annual fee |
| Joining fee | · ₹7,500 | None |
| Top reward rate | 10% (travel) | · 1% (general) |
| Base reward rate | 2% | · 1% |
| Forex markup | · 2% | 1.99% |
| Welcome bonus | = 7,500 reward points + Vistara Premium Economy ticket | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹800,000 / yr | · N/A (no fee) |
| Min income | · ₹1,200,000 | ₹300,000 |
| Min credit score | · 780 | 730 |
| Editorial rating | 4.4/5 | · 4.3/5 |
Benefits compared
AU Bank Zenith
- 10 ZenPoints per ₹100 on travel + dining
- 2 ZenPoints per ₹100 on general spend
- 8 complimentary international lounge visits per quarter
- 12 complimentary domestic lounge visits / year
- Annual milestone: free domestic flight at ₹6L spend
- 4 free golf rounds/quarter at 250+ courses
AU Bank LIT
- Toggle between 4 benefit packs each month (cashback / travel / shopping / dining)
- 5x rewards on chosen category
- Lifetime free
- 4 domestic lounge visits/quarter
- 1% fuel surcharge waiver
FAQ
›AU Bank Zenith vs AU Bank LIT: which is better?
AU Bank LIT wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use AU Bank Zenith for its best categories, AU Bank LIT for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
AU Bank Zenith: 7,500 reward points + Vistara Premium Economy ticket. AU Bank LIT: Customizable card features (toggle benefits on/off).